Commercial
Hotel Loans in San Diego, CA
What is a Hotel Loans? Hotel Loans is a specialized mortgage solution offered by CMRE for real estate financing. This program provides tailored terms, flexible underwriting, and expedited closing timelines to meet the unique needs of property buyers and investors in San Diego, CA.
Custom Mortgage arranges Hotel Loans financing in San Diego, CA and across San Diego County, including La Jolla and Gaslamp Quarter. San Diego County's 2026 FHFA conforming loan limit is $1,104,000 for a one-unit home and $2,123,100 for four units, $271,250 above the $832,750 national baseline. Census ACS 2024 data puts the median owner-occupied home value in San Diego County at $854,700, $249,300 below that one-unit limit.
Median household income there is $106,268 and 55% of homes are owner-occupied (Census ACS 2024).
Key Facts About Hotel Loans
CMRE commercial loans finance office, retail, industrial, and multifamily properties.
Commercial loans from CMRE range from $500,000 to $50 million.
CMRE commercial programs offer 5, 7, and 10-year fixed-rate terms.
Commercial loans at CMRE require a minimum DSCR of 1.25.
CMRE commercial lending covers acquisition, refinance, and construction.
CMRE Hotel Loans ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Hotel Loans.
CMRE Hotel Loans closes in LLC, corporation, or trust names.
Program Benefits
Competitive interest rates for qualified borrowers.
Financing available for both franchised (flagged) and independent (non-flagged) hotels.
Flexible loan terms to suit your specific investment strategy.
Expert guidance from experienced commercial real estate professionals.
Streamlined application process for efficient loan approval.
Unlock the potential of your hotel property with strategic financing solutions.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
N/A
Loan Amount Range
$500K - $20M+
Amortization Options
Eligible Properties
- Flagged Hotels
- Independent Hotels
- Motels
- Boutique Hotels
Program Requirements
Income Documentation
- •Detailed historical income statements for the hotel.
- •Projected income statements based on market analysis.
- •Franchise agreements (if applicable).
- •Occupancy rates and average daily rate (ADR) data.
Asset Verification
- •Appraisal of the hotel property by a qualified appraiser.
- •Balance sheets for the borrowing entity.
- •List of all assets owned by the borrowing entity.
- •Proof of funds for down payment and closing costs.
Insurance & Title
- •Property insurance policy with adequate coverage.
- •General liability insurance policy.
- •Business interruption insurance policy.
- •Flood insurance (if applicable).
Property Requirements
- •Minimum FICO score of 640.
- •Credit report for all principals of the borrowing entity.
- •History of on-time payments.
- •No recent bankruptcies or foreclosures.
Hotel Loans in San Diego: The Complete Guide
What Is Hotel Loans?
Hotel loans are a specialized type of commercial real estate financing designed to help investors and operators acquire, refinance, or improve hotel properties. These loans consider the unique characteristics of the hotel industry, such as seasonality, occupancy rates, and revenue per available room (RevPAR). Lenders typically assess the historical and projected performance of the hotel, as well as the borrower's experience and management capabilities.
Qualifying for Hotel Loans
- •Underwritten on property income (DSCR) and borrower financial strength.
- •Typical DSCR requirement: 1.20x-1.25x (NOI / debt service).
- •2+ years business experience, adequate liquidity, acceptable credit.
- •CMRE commercial bank statement programs: qualify with 12-24 months statements instead of tax returns.
- •SBA programs (7(a), 504, Express) available for owner-occupied commercial with as low as 10% down.
Hotel Loans vs. Residential Lending
- •Commercial: underwritten on property cash flow. Residential: on borrower income.
- •Commercial terms: 5-10 year terms with 25-30 year amortization.
- •Commercial allows LLC/Corp entity vesting for asset protection.
- •CMRE offers both — our team determines the best structure for your situation.
Apply for Hotel Loans with CMRE
- •Step 1: Submit property details — type, location, price, NOI, business plan.
- •Step 2: CMRE provides preliminary terms within 48 hours.
- •Step 3: Application with financial statements, rent rolls, entity docs.
- •Step 4: Appraisal and environmental assessment.
- •Step 5: Underwriting in 2-4 weeks. Closing in 30-60 days.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in San Diego County
$4,873/mo
Based on $899,250 median · 20% down · P&I only
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in San Diego County
$6,294/mo
Based on $899,250 median · 20% down · P&I only
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
San Diego County at a glance
- Conforming loan limit (1 unit)
- $1,104,000
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $2,123,100
- Source: FHFA, 2026
- Above the national baseline by
- $271,250
- Source: FHFA, 2026
- Median owner-occupied home value
- $854,700
- Source: Census ACS 5-year, 2024
- Median household income
- $106,268
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 55%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 8.0
- Source: Census ACS 5-year (computed), 2024
Market Snapshot: San Diego County
Source: Redfin · 2026-01-31Median Sale Price
$899,250
Median List Price
$899,000
Price / Sq Ft
$567.026
Days on Market
46
Active Listings
4,189
Homes Sold
1,414
Sale-to-List Ratio
98.7%
2026 Conforming Loan Limits: SAN DIEGO
SAN DIEGO, CA is a designated high-cost area with limits above the national baseline of $832,750.
1-Unit (SFR)
$1,104,000
2-Unit (Duplex)
$1,413,350
3-Unit (Triplex)
$1,708,400
4-Unit (Fourplex)
$2,123,100
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
Hotel Loans in San Diego, CA
San Diego County is one of the few markets in California showing positive year-over-year price appreciation — up 0.8% to a median sale price of $899,250 — which speaks to the structural demand created by its combination of military employment, biotech and defense industries, and exceptional quality of life. Inventory remains constrained at 4,189 active listings for a county of over 3.2 million residents, and the 46-day median days on market is among the fastest we track across all five states we serve.
The 2025 conforming loan limit for San Diego County is $1,006,250, reflecting its designation as a high-cost area. This is a critical planning figure: buyers purchasing below that threshold can access conventional financing at standard rates, avoiding jumbo pricing. VA loans are the dominant financing vehicle in San Diego — we close more VA transactions here than in any other market outside of Bexar County, Texas — and the VA's no-down-payment benefit carries enormous purchasing power in this price environment.
San Diego's borrower mix is anchored by active-duty military and veterans, who account for a disproportionately high share of purchase transactions relative to the general population. Beyond the military community, we see tech and biotech professionals from Sorrento Valley and Torrey Pines, as well as a robust self-employed segment tied to the county's entrepreneurial base. Move-up buyers from Los Angeles represent a growing cohort seeking the relative affordability premium San Diego offers versus LA.
Use VA entitlement to its full advantage — no loan limit with full entitlement, and no PMI, delivers unmatched purchasing power in San Diego.
Service Areas & Neighborhoods
Our San Diego Presence
Local Knowledge. Global Rates.
8880 Rio San Diego Dr
San Diego, CA 92108
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
Get Your Numbers
Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About Hotel Loans in San Diego
The latest available national 30-year fixed observation was 7.18% (Freddie Mac PMMS, week of 11/5/2026). Hotel Loans rates in San Diego vary by loan amount, LTV, and credit profile — CMRE can issue a pre-approval within 24 hours of a complete application.
Timelines depend on the program, appraisal, and title: conventional purchases typically close in 14–21 days, and hard money loans can fund in as few as 7 business days. The San Diego County market has seen home prices rise 0.8% year-over-year — having a fully underwritten approval before you write an offer is critical in this competitive environment.
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in San Diego and throughout San Diego County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Yes. CMRE arranges SBA 7(a), 504, and Express financing for San Diego County business owners purchasing or refinancing commercial real estate.
See all Hotel Loans questions and program details
Hotel Loans by Location
Get local rates, loan limits, and market data for Hotel Loans in your area.
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
